In a nutshell, Carrot is great if you're looking for cheap first-year insurance but don't expect the rewards. There's no doubt that Carrot offers exceptional black-box insurance premiums (as of 15/2/17). That said, the black box they have installed is extremely sensitive and it seems their scoring system for Speed, Smoothness and Usage is a little odd. A score of -10/10 for speed, +10/10 for Smoothness and +10/10 for Usage will result in an average score of 0. How does that work? This means if the box thinks you're speeding (often not the case) then one emergency stop due to someone else's bad driving means you get a negative score. Despite a decent quarter of driving on my part, I received no rewards.